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Journal : Management Analysis Journal

The Effect of Perceived Usefulness and Perceived Risk to the Utilization of Internet Banking (Study on BRI Internet Banking Customers in Semarang City) Fahmi, Tubagus; Wiratama, Bayu
Management Analysis Journal Vol 7 No 2 (2018): Management Analysis Journal
Publisher : Management Analysis Journal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v7i2.27227

Abstract

This study aims to analyze the effect of perceived usefulness and perceived risk of consumers to internet banking utilization. The population of this study is the bank’s customers who use BRI’s internet banking in semarang city with the number of samples are 50 respondents by using purposive sampling technique. The result of this study shows that the significance value of simultaneous hypothesis test < 0.05, thus Ho is rejected. It means that Ho stating both perceived usefulness and perceived risk variable significantly affect to the participation of BRI bank members in Semarang city is accepted. In addition, the partial hypothesis of t-test for the perceived usefulness variable is 5.949 with the significance value < 0.05, thus Ho is rejected. The test result of perceived risk variable obtained t count value equal to 3.925 with the significance value <  0.05, then Ho is rejected. It means that the performance of hypothesis (H1) stating the perceived usefulness and perceived risk variable significantly influence to the success of BRI bank in Semarang city is accepted. The conclusion of this study is that the higher perceived usefulness and perceived risk to the consumer will enhance the success of internet banking utilization. The recommendation for  the future research is that they should consider other variables which have effect to the internet banking utilization.
The Effect of Perceived Usefulness and Perceived Risk to the Utilization of Internet Banking (Study on BRI Internet Banking Customers in Semarang City) Fahmi, Tubagus; Wiratama, Bayu
Management Analysis Journal Vol 7 No 2 (2018): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v7i2.27227

Abstract

This study aims to analyze the effect of perceived usefulness and perceived risk of consumers to internet banking utilization. The population of this study is the bank’s customers who use BRI’s internet banking in semarang city with the number of samples are 50 respondents by using purposive sampling technique. The result of this study shows that the significance value of simultaneous hypothesis test < 0.05, thus Ho is rejected. It means that Ho stating both perceived usefulness and perceived risk variable significantly affect to the participation of BRI bank members in Semarang city is accepted. In addition, the partial hypothesis of t-test for the perceived usefulness variable is 5.949 with the significance value < 0.05, thus Ho is rejected. The test result of perceived risk variable obtained t count value equal to 3.925 with the significance value < 0.05, then Ho is rejected. It means that the performance of hypothesis (H1) stating the perceived usefulness and perceived risk variable significantly influence to the success of BRI bank in Semarang city is accepted. The conclusion of this study is that the higher perceived usefulness and perceived risk to the consumer will enhance the success of internet banking utilization. The recommendation for the future research is that they should consider other variables which have effect to the internet banking utilization.
Does Social Media Strengthen the Effect of Narcissism, Envy, and Materialism on Conspicuous Consumption? Wiratama, Bayu
Management Analysis Journal Vol 11 No 2 (2022): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v11i2.57617

Abstract

The rational behavior of consumers is to get the best product at a low price. This is in accordance with the economic law which states that rational individuals will make as few sacrifices as possible to get more. The act of envy of other people's ownership also affects the behavior of an individual's consumer, this is seen when someone wants to match or want to own an item or facility that is owned by another person. Conspicuous consumption behavior in the current era is growing rapidly because of the internet and social media. Previous research has not explained the relationship between the three variables, namely narcissism , envy and conspicuous consumption. This study also proves that there is no influence of narcissism with excessive buying behavior patterns. Social media has a role in influencing patterns of excessive buying behavior but is unable to moderate the relationship between envy and narcissism. This study was able to conclude that envy arises because individuals see directly or interact with the surrounding environment without going through social media to make excessive buying behavior patterns.